Ken Ripley

Because, you know, we'll all have buyer's remarks, right?

Come February, if ECO is better, we're going to be like, why did I buy the MCO?

There's a long ways until February, but right now, it's currently waiting until February is going to be the better option based on today's prices.

Yeah, yeah.

And I love the word Corey used, hedge, there, because the reality is –

That's what these area plans are.

These are price hedges.

And if your listeners are not currently looking at ECO or enhanced coverage option or SEO, they really need to take a hard look in 26.

Because now that that premium support on both of those plans is at 80%,

It's a value that we almost need to change the way we look at these products and not think about them in insurance, but the hedge.

Yep.

It's a put.

Absolutely.

Yeah.

Yeah.

Well, and because of where the rate is for the producer, you know, the producer paid premium, it only depends on what your rate is for your county.

We need to have a success rate where you have a loss one in eight to one in 15 years to be money ahead.

Like we have a tool that looks back 20 years on these products.

Like in my county, it's triggering eight out of 20 times.

So you have to be in these products because they're giving us tools that help support our price.